Frequently Asked Questions

We offer over 40 plus years' experience in handling property claims for Commerical and residential losses in California. we have worked for such carriers as State Farm, CSAA, The Hartford, Firemans Fund and Mercury Insurance and handled claims in their Large Loss Units and have worked with the same vendors that the insurance companies use as well.

We are well versed in the regulations and are always looking to maximize your benefits under same.

We want to keep you involved in the process, so you are aware of what is taking place during the claims process. our goal is that there is no M.L.O.T.T. (ask us what this means, and we can give you the details) when we are completed with your claim.

At the time of a loss, your insurance policy should provide you maximum benefits that will allow you to restore your losses from a covered peril under your policy. the limitations should be the policy limits, the adjusters should be looking for ways to provide you with coverage versus finding ways to deny your coverages.

You can lower your insurance premium by increasing your deductible, bundling your policies, and taking advantage of available discounts. No adjuster can tell you the affects filing a claim will have on your premiums. Be advised, your premiums can go up without anything to do with filing a claim.Jjust remember, if you knew when you were going to have a claim, you would not need insurance until the day before, so don't be afraid of getting what you are entitled to and what you have been paying your premium to protect your property for all this time.